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APIs · head to head

Fintecture vs Solaris

Fintecture logo

Fintecture

APIs

French open banking payments built around B2B invoice collection

From
On request
Rated
-
Full reviewWebsite
Solaris logo

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fintecture coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • They diverge on capability: Fintecture covers Invoice payment links, Solaris covers German banking licence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintecture and Solaris actually diverge.

Attributes where Fintecture and Solaris differ
AttributeFintectureSolaris

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, API), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fintecture

  • Invoice payment links
  • Immediate bank transfer
  • Deferred and instalment payment
  • Automatic reconciliation
  • Multi method checkout
  • Recurring collection
  • ERP and accounting integration
  • Payer verification

Only in Solaris

  • German banking licence
  • IBAN accounts
  • Card issuing
  • Lending as a service
  • Digital assets and custody
  • SEPA payments
  • KYC and onboarding
  • Deposit protection

What people use each for

The jobs each tool is most often brought in to do.

Fintecture

  • A French wholesaler collecting large invoice payments where card acceptance cost is prohibitivenot Solaris
  • A supplier that spends hours each week matching incoming bank transfers to open invoicesnot Solaris
  • A business offering trade customers instalment terms without carrying the credit risk itselfnot Solaris
  • A professional services firm sending payment links with each invoice rather than bank details in an emailnot Solaris

Solaris

  • A retailer or platform launching a German current account or card product without applying for its own licencenot Fintecture
  • A fintech that needs deposit taking and lending, which an e-money licence cannot providenot Fintecture
  • A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot Fintecture
  • A company requiring German statutory deposit protection on customer balances as a product claimnot Fintecture

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fintecture

  • Coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.
  • Deferred and instalment payment relies on a financing partner that sets acceptance criteria, so your business customers can be declined for reasons you cannot see or influence.
  • As a payment initiator rather than an acquirer, Fintecture leaves refunds, disputes and settlement structure with the supplier, and there is no chargeback framework at all.
  • Business to business bank payments require the payer to authenticate with their bank, and corporate banking authentication with dual approval is materially clunkier than consumer app redirects, which hurts conversion on large invoices.
  • It is a smaller supplier than the pan European open banking firms, so bank API breakage outside France may take longer to fix and support depth is a legitimate procurement concern.

Solaris

  • BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
  • Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
  • The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
  • SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

Pricing, plan by plan

Fintecture

On request
  • Fintecture payments$undefined/year
    • Quoted per merchant, typically per transaction with volume tiers
    • Deferred and instalment payment priced separately and underwritten by a financing partner
    • No interchange on bank transfer payments

Solaris

On request
  • Solaris banking as a service$undefined/year
    • Quoted per partner, typically setup fee plus monthly platform fee
    • Per account, per card and per transaction charges on top
    • Interchange sharing arrangements negotiated per programme

Which should you pick?

Choose Fintecture if

  • You need invoice payment links.
  • You work on Web, API.
  • You also want immediate bank transfer.
Fintecture review

Choose Solaris if

  • You need german banking licence.
  • You work on Web, API.
  • You also want iban accounts.
Solaris review

Questions people ask

Is Fintecture or Solaris better?
Neither clearly leads. Fintecture starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintecture or Solaris?
Fintecture starts at On request and Solaris at On request.
Does Fintecture or Solaris run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
What is Fintecture best used for?
Fintecture is most often used for a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive, a supplier that spends hours each week matching incoming bank transfers to open invoices, a business offering trade customers instalment terms without carrying the credit risk itself, a professional services firm sending payment links with each invoice rather than bank details in an email. Of those, a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive and a supplier that spends hours each week matching incoming bank transfers to open invoices are not what Solaris is typically brought in for.
What can Fintecture do that Solaris cannot?
Fintecture covers Invoice payment links, Immediate bank transfer, Deferred and instalment payment, Automatic reconciliation. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

Answered from the vendors’ own pages

Fintecture: Is Fintecture aimed at retail checkout?

No. Its design centre is business to business invoice collection, where average values are high and reconciliation is the real problem.

Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

Fintecture: Who carries the risk on deferred payment?

A financing partner underwrites it, which means acceptance criteria and declines are set outside your control.

Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

Fintecture: Does it work outside France?

It operates in other European markets, but coverage and adoption are markedly weaker than in France.

Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

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